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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,184 | $93,064-61.1% | $74,577-51.5% | $273,972-86.8% |
| Participation rate | 56.5% | 74.9%-18.4pp | 68.1%-11.6pp | 83.0%-26.5pp |
| Annual return | 3.47% | 26.18%-22.7pp | 20.47%-17.0pp | 41.46%-38.0pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $2,525-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $969 | $4,160-76.7% | $3,458-72.0% | $5,287-81.7% |
| Admin fee / account holder | $13,590 | $5,273+157.7% | $4,138+228.4% | $10,133+34.1% |